The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 486 3,624 SH   SOLE   3,624 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 602 2,338 SH   SOLE   2,338 0 0
ALPHABET INC CAP STK CL A 02079K305 339 3,520 SH   SOLE   3,520 0 0
ALPHABET INC CAP STK CL C 02079K107 313 3,255 SH   SOLE   3,255 0 0
AMAZON COM INC COM 023135106 780 6,885 SH   SOLE   6,885 0 0
AMGEN INC COM 031162100 581 2,572 SH   SOLE   2,572 0 0
APPLE INC COM 037833100 7,601 54,983 SH   SOLE   54,983 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 318 5,800 SH   SOLE   5,800 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 715 2,672 SH   SOLE   2,672 0 0
BLACKROCK CR ALLOCATION INCO COM 092508100 334 35,000 SH   SOLE   35,000 0 0
BLACKSTONE INC COM 09260D107 455 5,426 SH   SOLE   5,426 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 311 4,377 SH   SOLE   4,377 0 0
BROADCOM INC COM 11135F101 1,355 3,052 SH   SOLE   3,052 0 0
BRUNSWICK CORP COM 117043109 216 3,315 SH   SOLE   3,315 0 0
CHEVRON CORP NEW COM 166764100 244 1,695 SH   SOLE   1,695 0 0
CISCO SYS INC COM 17275R102 392 9,793 SH   SOLE   9,793 0 0
CME GROUP INC COM 12572Q105 278 1,570 SH   SOLE   1,570 0 0
COCA COLA CO COM 191216100 593 10,646 SH   SOLE   10,646 0 0
CONSTELLATION BRANDS INC CL A 21036P108 461 2,003 SH   SOLE   2,003 0 0
CVS HEALTH CORP COM 126650100 316 3,306 SH   SOLE   3,306 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 15,473 377,556 SH   SOLE   377,556 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 380 8,157 SH   SOLE   8,157 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 5,672 121,589 SH   SOLE   121,589 0 0
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 570 13,568 SH   SOLE   13,568 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 3,550 171,171 SH   SOLE   171,171 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 26,167 1,039,811 SH   SOLE   1,039,811 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 467 9,863 SH   SOLE   9,863 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 398 17,893 SH   SOLE   17,893 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 21,794 1,009,041 SH   SOLE   1,009,041 0 0
DISNEY WALT CO COM 254687106 508 5,383 SH   SOLE   5,383 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 262 2,823 SH   SOLE   2,823 0 0
ETF SER SOLUTIONS NATIONWIDE S&P 26922B766 11,493 587,304 SH   SOLE   587,304 0 0
HOME DEPOT INC COM 437076102 571 2,067 SH   SOLE   2,067 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 4,837 153,448 SH   SOLE   153,448 0 0
ISHARES TR CALIF MUN BD ETF 464288356 3,848 70,994 SH   SOLE   70,994 0 0
ISHARES TR NATIONAL MUN ETF 464288414 369 3,594 SH   SOLE   3,594 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 343 1,634 SH   SOLE   1,634 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 241 4,807 SH   SOLE   4,807 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 971 18,956 SH   SOLE   18,956 0 0
JOHNSON & JOHNSON COM 478160104 1,802 11,029 SH   SOLE   11,029 0 0
JPMORGAN CHASE & CO COM 46625H100 794 7,603 SH   SOLE   7,603 0 0
MCDONALDS CORP COM 580135101 455 1,969 SH   SOLE   1,969 0 0
MERCK & CO INC COM 58933Y105 213 2,484 SH   SOLE   2,484 0 0
MICROSOFT CORP COM 594918104 2,600 11,154 SH   SOLE   11,154 0 0
MONDELEZ INTL INC CL A 609207105 286 5,247 SH   SOLE   5,247 0 0
OCCIDENTAL PETE CORP COM 674599105 241 3,920 SH   SOLE   3,920 0 0
PEPSICO INC COM 713448108 477 2,929 SH   SOLE   2,929 0 0
PFIZER INC COM 717081103 207 4,728 SH   SOLE   4,728 0 0
PHILLIPS 66 COM 718546104 293 3,630 SH   SOLE   3,630 0 0
PIMCO MUN INCOME FD II COM 72200W106 234 24,500 SH   SOLE   24,500 0 0
PROCTER AND GAMBLE CO COM 742718109 1,049 8,302 SH   SOLE   8,302 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 723 38,665 SH   SOLE   38,665 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,637 276,640 SH   SOLE   276,640 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,888 66,943 SH   SOLE   66,943 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 29,576 444,997 SH   SOLE   444,997 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 402 20,064 SH   SOLE   20,064 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,644 42,826 SH   SOLE   42,826 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,494 123,027 SH   SOLE   123,027 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 295 4,424 SH   SOLE   4,424 0 0
SNOWFLAKE INC CL A 833445109 298 1,756 SH   SOLE   1,756 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 440 1,236 SH   SOLE   1,236 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 235 10,123 SH   SOLE   10,123 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 632 13,764 SH   SOLE   13,764 0 0
SPDR SER TR S&P DIVID ETF 78464A763 910 8,170 SH   SOLE   8,170 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 21,345 530,903 SH   SOLE   530,903 0 0
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200 14,429 313,169 SH   SOLE   313,169 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 392 5,724 SH   SOLE   5,724 0 0
TESLA INC COM 88160R101 205 765 SH   SOLE   765 0 0
TEXAS INSTRS INC COM 882508104 356 2,300 SH   SOLE   2,300 0 0
UNION PAC CORP COM 907818108 458 2,348 SH   SOLE   2,348 0 0
VANECK ETF TRUST CHINA BOND ETF 92189F379 219 10,000 SH   SOLE   10,000 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,184 14,933 SH   SOLE   14,933 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,677 14,846 SH   SOLE   14,846 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 574 6,984 SH   SOLE   6,984 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 204 2,748 SH   SOLE   2,748 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 282 4,877 SH   SOLE   4,877 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,300 9,582 SH   SOLE   9,582 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 634 17,131 SH   SOLE   17,131 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 952 5,532 SH   SOLE   5,532 0 0
WALMART INC COM 931142103 496 3,829 SH   SOLE   3,829 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 28,269 523,898 SH   SOLE   523,898 0 0